Lending tool
Home loan amortisation
Repayments, interest and time saved.
Builds the full repayment schedule for a home loan and shows exactly what extra repayments, lump sums and an offset balance do to it. The client sees two curves: the loan as the bank scheduled it, and the loan the way they could run it.
Because the whole schedule is computed month by month, the tool can put real numbers on the two things clients care about: interest saved and years removed from the loan.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Loan amount, interest rate and remaining term
- Repayment frequency (weekly, fortnightly, monthly)
- Regular extra repayment amount
- One-off lump sums and the month they land
- Offset account balance
What it reports
- Full amortisation schedule, month by month
- Total interest with and without the strategy
- Interest saved and time saved
- The payoff date under each path
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
Paying an extra $250 per fortnight saves $118,400 in interest and clears the loan 5 years and 8 months early.
A $40,000 offset balance held for the life of the loan has the same effect as a rate cut of roughly 0.62%.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.